The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Personally I don't think I would notify them let them find you (if they must)

Thanks Nanna - well a couple of other creditors have already picked up on the change of address so shouldn't be too difficult for them to do the same. While the are using Firstsource Advantage, and only providing a postal address in India, they're not going to get much correspondence from me anyway!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent
16/7/2014 14:29 - Phone call from Compello
16/7/2014 - 17:52 - Phone call from Compello
23/7/2014 - Final Notice letter from Compello saying that account will be passed to their 'pre-legal' department for review
23/7/2014 - Sent a 'special' letter disputing debt
11/8/2014 09:50 - Phone call on mobile from MKRR (new number)
11/8/2014 - Letter from MKRR stating that due to non payment account will be passed to Keynes Collections for litigation consideration
12/8/2014 - Formal Complaint sent to MKRR
15/8/2014 - Letter from Keynes Collections threatening litigation
15/8/2014 - Formal Complaint sent to Keynes Collections
1/9/2014 - Letter from Keynes Collections currently unable to resolve my query, need to investigate, may need to contact OC etc
26/9/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
17/10/2014 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
5/1/2015 - Letter from MKDP still unable to resolve my query, in correspondence with OC, and will contact me when they have an update
26/1/2015 - Final Response letter from MKDP

Hi All

I need some help/suggestions on how to tackle MKDP on this one.

They have sent me a 'final response' which basically states that they believe I am making an allegation that the account is fraudulent, and that I must report this to Barclaycard. They have suspended the account for 10 weeks, after which they will resume collection activity.

So basically they have completely ignored my point, which is they have failed my s78 request to provide a true copy of the agreement (as they have provided two agreements, one with incorrect name and address details), and instead are ducking the issue by trying to refer me back to the OC.

So whats the best approach here? I'm thinking that I reply to their 'final response' along the lines of the above stating they have ignored all of the issues complained about but have responded under a false belief), but also that as the debt purchasor they not only purchased the rights but also the duties from the original creditor, therefore its inappropriate to refer me back to the OC (depending on type of assignment, which this letter would also hopefully tease out of MKDP).

Anyone do it differently?

Thanks
SnV

[MrsD]

Re: The SaltnVinegar UE Diary

I think you might be in the "too difficult to deal with" pile

10 weeks is quite some time to put it on hold

how long until it's SB?

I think you'll go back to the beginning of the process at the end of the ten weeks with a new lackey and you can go through the whole process again, that's if they come back at all, the "too difficult" might not be a bad pile to be in

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I think you might be in the "too difficult to deal with" pile

Thanks Mrs D

That much is very true! Its quite a unique situation that they have with this one, there is no way that they can now prove that they have a 'true' copy so theres no way I can see it being enforceable, the only thing thats playing on my mind is that MKDP/Keynes have been very trigger happy recently on sending out claims even those that are obviously UE.

10 weeks is quite some time to put it on hold. how long until it's SB?

It is indeed, a couple of months, maybe three, is a good chunk of the SB date. I've got approx 18 months to go though still.

I think you'll go back to the beginning of the process at the end of the ten weeks with a new lackey and you can go through the whole process again, that's if they come back at all, the "too difficult" might not be a bad pile to be in

I like being in the 'too difficult' pile

My only concern is that they're trying to sidestep the issues to progress this to court. Guess I can't worry about that too much because if thats what they want to do they'll do it anyway.

[MrsD]

Re: The SaltnVinegar UE Diary

one of mine sent an outright forgery, I promptly sent back "it's a forgery" never heard a peep since....................................

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default recorded with CRA's but no DN received.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

......................Lots and lots of lines I've removed from here!

25/1/2015 - Text from Red Castle Recoveries saying its urgent they speak to me
26/1/2015 - Offer letter from BCW offering 40% discount

Hmm so BCW must be getting desperate now - received a text from a couple of days ago - not sure how they got my mobile number, suspect some other scumbag DCA has shared that little nugget. Also have a letter from them offering a 40% discount.

I'm tempted to send them the sharp rebuke I sent to ArcEurope a couple of years ago which made them sell the account faster than a hot bun, but also don't want to offer them any encouragement either!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received, default registered with CRA Oct 2014
  

• Account owner - Firstsource Advantage on behalf of Amex

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA
11/12/2012 - CCA response from Amex. Will send to Niddy over the next couple of days to see if its UE or not
6/11/2013 - Letter from Amex that account has been referred to Moorcroft for collection
6/11/2013 - Letter from Moorcroft - account transferred to them cough up in 7 days
11/11/2013 - Phone call from Moorcroft - VM message left
14/11/2013 - Phone call from Moorcroft at 19:48 - VM message left
15/11/2013 - Phone call from Moorcroft at 14:26 - VM message left
30/12/2013 - NOA from Amex - account now with Firstsource Advantage LLC
13/1/2014 - Introduction letter from Firstsource Advantage
30/1/2014 - Offer letter from Firstsource
28/3/2014 - Another offer letter from Firstsource (25% discount payable over 12 months)
29/4/2014 - Letter from Firstsource offering a F&F discount if I call them
23/5/2014 - Final Demand from Firstsource
9/10/2014 - Introduction letter from Firstsource Advantage
27/10/2014 - Offer letter from Firstsource pay balance over 15 months
15/1/2015 - Offer letter from Firstsource pay reduced balance over 12 months
26/3/2015 - Final demand from Firstsource
26/3/2015 - Letter from Firstsource saying account being transferred

Two letters from Firstsource today. First is a final demand stating that if they cannot make a payment arrangement then they will have to refer the account back to Amex

Second letter is to inform me that they are transferring my account to another office that has a UK based address, rather than the one from India which is where previous correspondence states is from!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Not much to report, things have been very quiet. First off, have been getting some discount offers from Lowells the last few weeks (first 30% then 40%), on the Shop Direct accounts. Have sent them some 'Account Sold while in Dispute' letters, also providing evidence that SD unlawfully added charges to the accounts before they were sold, so that should keep them busy for a while.

Had a letter from MKDP that they would be resuming collections as I hadn't provided evidence that they required. Have written back to them pointing out that the burden of proof is upon them not me, and fobbing me off to the OC is not acceptable. Also reminded them off Pre-Action Protocol directives as they have not adhered to those either, and also reminded them that they could be liable for costs as I have repeatedly asked them for the documentation they would rely on which they have not provided.

Ho hum, long may the silence continue.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Hi All

Just a monthly update.

1) Challenging Lowell on Shop Direct accounts that charges applied were unlawful. Complaint still being investigated and they're now getting close to the 40 day limit to provide a response

2) Heard nothing from MKDP. They are in breach of my CCA request as they cannot argue that they have sent me a 'true' copy but are refusing to admit that they have anything to answer.

3) Had an email from Red Castle regards the Quickquid account but it is only an annual statement (which also has different amounts in different sections for the balance so looks like some creative accounting at work.

Fingers crossed things stay quiet

For many of my accounts I'm at year 3 or 4 of no payments, and for some others I'm in the home straight and in the final year. I expect the harassment to restart as I get nearer to SB but all been good recently!

ttfn
SnV

[nanna58]

Re: The SaltnVinegar UE Diary

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Monthly update and not much to report. Only letter I've had is from Lowells that they are still investigating my complaint, too much information to gather in 40 days timeframe blah blah, I can now refer my complaint to the FOS blah blah

I suspect that Lowells may be concerned my record keeping is a hell of a lot better than Shop Directs - I doubt very much SD have kept any copies of the letters sent to them, so

Choice (Shop Direct)

• Type of account - Catalogue Account
  
  
• Date commenced - Early/Mid 2007 (not sure exactly)
  
  
• Approx balance - Approx £480
  
  
• Date last payment - August 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA Feb 2011
  
  
• Account owner - Lowell

29/10/2014 - Letter from Lowells
13/11/2014 - Letter from Lowells
25/3/2015 - Letter from Lowells
8/4/2/15 - 30% off balance offer from Lowells
9/5/15 - 40% off balance offer from Lowells
9/5/15 - Account in dispute letter sent to Lowells
9/6/2015 - Letter from Lowells complaint still being investigated
6/7/2015 - Letter from Lowells complaint still being investigated

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Well some good news today - another Lowells account bites the dust! A three pronged attack based around unlawful charges and Shop Direct breaches of the old OFT664 and CONC guidelines has caused Lowell to back down. On to the other ones....

[IF]

Re: The SaltnVinegar UE Diary

Well done SnV, I love good news on AAD....here's to the same result for your others too

[nanna58]

Re: The SaltnVinegar UE Diary

Result great xx

[PlanB]

Re: The SaltnVinegar UE Diary

another Lowells account bites the dust! A three pronged attack . . . . has caused Lowell to back down.

This is brilliant news SnV especially when it's Lowells who have been forced to capitulate

Plan B x